Lee Kramer is a CFP® with 40 years of industry experience, currently affiliated with OSAIC since 2023. He previously worked at FSC Securities Corporation for 18 years and has been managing Kramer Financial, LLC dba Kramer Wealth Managers since 1985. Kramer serves as a council member for the Capital Group Able Advisory Committee, providing input on ABLE America products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and risk-tolerance questionnaires to construct diversified portfolios across multiple asset classes.

Paul Hynes is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and Series 63 designations and bringing 39 years of industry experience. He has been with Cambridge since 2013. Outside of his advisory role, he is an independent insurance agent and a 50% partner in a real estate investment and development venture. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing multiple custody platforms and a mix of proprietary and third-party strategies.

Tyler Milor is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Justin Saloom is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2011, including a role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by advanced modeling tools.

John Spahn is a financial advisor with Merrill in Frederick, MD, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marco Soto is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo and PNC Bank. Soto is based in Ijamsville, MD. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Rajena Guettler is a financial advisor at Osaic Wealth Inc. with a Series 66 designation and no prior industry experience. Before joining Osaic, she held positions at Kramer Financial, LLC and worked at Gallaudet University and the Maryland School for the Deaf. Guettler is also involved with Guettler Company, LLC. Osaic Wealth, Inc. serves both retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with various investment solutions. The firm employs sophisticated asset-allocation tools and supports multiple advisory platforms, including third-party managed accounts and model portfolios.

Robert Hill III is a financial advisor at Stifel with 14 years of industry experience and holds a Series 66 designation. He has been with Stifel Nicolaus & Co Inc since 2014. Outside of his advisory role, he operates Two Palms and a Hammock Studios, a business selling original art, and serves as president and sole member of Exaireo Capital Funding LLC, which holds loan notes. Stifel serves a broad range of clients including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Joseph Kefauver is a financial advisor at OSAIC with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he serves as a board member for Main Street Middletown, a nonprofit organization. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and provides access to various investment products and third-party money managers.

Patrick Kavanaugh is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies, helping clients prioritize and pursue goals that matter most through a comprehensive understanding of their financial lives. His client focus areas include college education planning, family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. With over 20 years of experience in the financial industry, Patrick holds professional designations such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Florida State University. Patrick adheres to Merrill's tradition of community involvement and dedicates time to volunteering with local organizations. Outside of his professional work, he enjoys biking, hiking, and reading.

Donna Lail is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior work includes roles at M&T Bank and Bank of America, N.A. She is based in Frederick, MD. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Aiman Alosta is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to clients' unique financial goals and aspirations. With over 20 years of experience, Aiman provides ongoing guidance and advice to high net-worth individuals and businesses, focusing on areas such as college education planning, equity compensation services, family wealth management, personal retirement planning, tax minimization, and retirement income. He is adept at analyzing complex financial situations and implementing strategies designed to streamline finances and pursue clients' objectives. Aiman holds a Bachelor's Degree from George Mason University and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in English and Arabic, he works to help clients define what matters most to them and build flexible strategies aligned with today’s changing market conditions, integrating investment insights from Merrill and banking solutions from Bank of America. Outside of his professional work, Aiman enjoys adventure sports, bowling, horseback riding, music, and watching movies. He also values spending quality time with his children and supporting their sports and fundraising activities.

George Littrell III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Littrell serves on the board of directors for Specialized Engineering, Inc., contributing to officer compensation and strategic planning committees, and is a board member of Frederick Health, where he serves on both the finance and investment committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through various financial planning and investment strategies.

Joseph Cassella is a financial advisor at Primerica Advisors with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with PFS Investments, Inc. since 2011. Cassella is also involved in sales of loan products and home-related services through affiliated companies of PFS Investments, Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates nationally with nearly 3,700 advisors and focuses on delivering advisory services primarily through model-driven investment strategies managed by third parties.

Ryan Main is a financial advisor with Morgan Stanley Wealth Management, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Charles Schwab and Optionsxpress, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Josephine Hoffman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been involved in the investments industry since 2003 and joined Merrill Lynch in 2005. In her role, Josephine collaborates with individuals and businesses to pursue their financial goals, utilizing the banking services of Bank of America and Merrill’s investment resources to tailor investment strategies based on clients’ risk tolerance and objectives. Josephine holds a Bachelor of Science degree in Marketing with a minor in Finance from Pensacola Christian College and earned a Master’s Degree in Management and Leadership from Liberty University. She has attained several professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her areas of expertise include personal retirement planning, legacy planning, special needs planning strategies, services for endowments, foundations, non-profits, managing new wealth, women and wealth, and retirement income. Beyond her professional responsibilities, Josephine is active in her community through volunteer work with organizations such as Frederick Baptist Church and The Scott Key Center. She is a member of The Scott Key Center and the Merrill Special Needs Network, supporting families of children with disabilities. Outside of work and community service, Josephine enjoys spending time with her husband and two daughters, engaging in outdoor activities like camping, hiking, and photography.

Christopher Sarlo is a financial advisor with LPL Financial based in Frederick, MD. He holds a Series 66 designation and has six years of industry experience, including a decade at TD Wealth prior to joining LPL Financial. His other business activity includes involvement with Life Sciences Wealth. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory and brokerage services supported by research, model portfolios, and both discretionary and non-discretionary management options.

Edith Wennick is a financial advisor with Merrill, holding a Series 63 designation and over 40 years of industry experience. She has worked at Merrill since 1984 and at Bank of America, N.A. since 2009. Outside of her advisory role, she serves as President and Board Member of the North Point Condo HOA in Ocean City, Maryland. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeremy Kramer is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Wennick Kramer Group. He specializes in working with high-net-worth individuals, families, and business owners, providing services tailored to help them pursue their financial goals through a goals-based wealth management approach. Jeremy and his team focus on family wealth management strategies, personal retirement planning, portfolio management services, and supporting women and wealth. Jeremy began his career in financial services in 2007 and joined Merrill as a Financial Advisor in 2015. His professional experience is informed by over eight years as a volunteer EMT, which shapes his approach to financial advising by emphasizing preparation for unexpected events. His advisory process integrates investment management, risk mitigation, and forward-looking planning to help clients protect and grow their wealth. He holds a Bachelor's degree from the University System of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeremy is fluent in English and Hebrew. In his personal time, he enjoys baseball, golfing, racquetball, skiing, spending time with his family, and traveling. He is also committed to community involvement through volunteer work.

Danielle Thibault is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial and wealth management. She provides wealth management and planning services primarily to clients in Northern Virginia, Washington D.C., and Maryland, with additional clients across various states. Danielle focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Before joining Merrill Lynch in February 2020, Danielle served as a Financial Advisor at LPL Financial and was Director of Wealth Strategies at Capital One Financial Advisors. Her career began at Chevy Chase Financial Services. With extensive experience in both financial planning and investment management, she has created financial plans for high net worth clients and led managed money efforts at a national bank. Danielle holds a Bachelor's Degree from the University of Maine System and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). She volunteers with Platoon 22, an organization dedicated to educating the community on PTSD and veteran and first responder suicide, supporting efforts in her home community of Frederick, Maryland. Outside of work, Danielle enjoys boxing, hiking, skydiving, and spending time with her family.